Are you currently receiving payments on a land contract (also known as a contract for deed) in Iowa and wondering if you can cash out early? You’re not alone.
Many land contract holders across Iowa — from Des Moines to Cedar Rapids and beyond — are choosing to sell their contracts for immediate cash rather than wait years to collect monthly payments.
Here’s how it works and why it might be the smart move for you.
📜 What Is a Land Contract?
A land contract is a form of seller financing where the property seller agrees to receive payments from the buyer over time. The buyer gets equitable title, while the seller retains legal title until the full balance is paid off.
While land contracts can be a great tool to sell a property, they often come with long repayment terms and the burden of managing collections, taxes, and record keeping.
💡 Why Cash Out a Land Contract?
Selling a land contract means you sell the remaining stream of payments in exchange for a lump sum of cash now.
Here’s why Iowa property sellers are choosing to cash out:
- ✅ Pay off high-interest debt
- ✅ Reinvest into higher-yield opportunities
- ✅ Remove the risk of default or missed payments
- ✅ Avoid the hassle of bookkeeping and collections
- ✅ Get your money now — not years from now
Whether your buyer is paying on time or falling behind, you can still explore your options and unlock the cash you’re owed.
🏡 What Types of Land Contracts Qualify?
You can typically sell a land contract if:
- The buyer has made at least 3–12 months of payments
- The property is in decent condition
- You have a written agreement in place
- The terms of the contract are clear (balance, interest rate, term, etc.)
Even if your contract is partially performing or the property is rural, we may still be able to help.
💰 How the Process Works
Selling a land contract in Iowa is simpler than you think:
- Submit Your Contract Details
Fill out a quick form or call us with the terms of the contract, remaining balance, payment history, and property details. - Get a Fair, No-Obligation Offer
We’ll review the information and match you with experienced buyers who specialize in land contracts. - Close Through a Local Title & Escrow Company
There’s no appraisal required and no upfront fees. We’ll handle all the paperwork and closing logistics. - Get Paid in 7–14 Days
You’ll receive your funds via wire or cashier’s check — fast, safe, and hassle-free.
🤝 Ready to Sell Your Iowa Land Contract?
If you’re ready to cash out your land contract in Iowa, we’re here to help. Whether the buyer is making payments or you’re facing issues, we’ll guide you through every step of the process.
👉 Get started now by submitting your contract info or calling us at 319-936-3670 for a free, no-pressure consultation.